Financial Scheme by Hdfc Scheme Marketing

8/10/2019 Financial Scheme by Hdfc Scheme Marketing

1/97


2/97


3/97

HDFC BANK We Understand your world

CERTIFICATE OF ORI


4/97


CERTIFICATE BY INTERNAL


5/97


$O%*4%*S

Sr.No.

TOPIC Page No. Remarks

1 Acknowledgement 2

2 Certificate of originity 3

3 Certificate y internal !"ide #

# Introduction to banking 8-10

$ About HDFC 11%1$

& SWOT Analysis 1&%1'

' Businss !ro"il

1(%2&

8 Ob#cti$ o" t% study2'

& 'sarc% (t%dology2(%3)

10 Sourc o" data collction32

11 )arious Sc%*s o" t%Bank 3#%'#

1+ Analysis and Intr,rttion'$%*#

1 Suggstions *$

1. /i*itation o" Study*&

1 Conclusion*'

1 2ustionnair*(%1))

13 Bibliogra,%y

1)1


6/97


9?4#A$4

*he ,o+ational trainin in any orani2ation is an interal part of M'BA +ourse be+ause

it e.poses students to the problem area and pro,ides knowlede as how to sol,e these

problems' there is always ap between theories and pra+ti+es and the trainin is aimed at

remo,in this ap'

*he proe+t report is +on+erned with the @Analysis of arious S+hemes pro,ided by

!"#$ Bank@ "urin my trainin - studied the ,arious de,elopment tools and deeply analysis

the fun+tions'

-n the proe+t - ha,e tried to study the produ+ts of !"#$ Bank and analysis them on

the basis of their popularity and there after statin short +omin alon with suestions'

*his report is written a++ount of what - learnt and e.perien+ed durin my trainin and

- ha,e tried to +omplete this report with as mu+h perfe+tion as possible'

With the questionnaire - make it +lear that pra+ti+al knowlede is must whi+h i,es

us and opportunities to i,e pra+ti+al entries'


7/97


INDUSTRY PROFILE

INTRODUCITON OF BANKINs business philosophy is based on four +ore ,alues/

7' Operational 4.+ellen+e

5' $ustomer #o+us

;' 9rodu+t 1eadership

8' 9eople'

TECHNOLO


14/97


NATURE OF BUSINESS CARRIED

!"#$ Bank +aters to wide rane of bankin ser,i+es +o,erin both +ommer+ial and

in,estment bankin on the wholesale side and transa+tional bran+h bankin on the retail side'

*he bank three key business areas

7' ?HOLESALE BANKIN< SERVICES

*he Bank>s taret is primary lare blue0+hip manufa+turin +ompanies in the -ndian

+orporate se+tor and to a lesser e.tent emerin mid si2ed +orporate' #or these

+orporate the Bank pro,ides a wide rane of +ommer+ial and transa+tional Bankin

ser,i+es in+ludin workin +apital finan+e trade ser,i+es transa+tional ser,i+es +ash

manaement et+' *he Bank is also a leadin pro,ider of stru+ture solution whi+h

+ombine +ash manaement ser,i+es with ,endors and distributor finan+e for

fa+ilitatin superior supply +hain manaement for its +orporate +ustomers' Based on

its superior produ+t deli,ery ser,i+e le,els and stron +ustomer orientation the Bank

has made sinifi+ant in roads into the Bankin +onsortia of a number of leadin -ndia

+orporate in+ludin Multinationals $ompanies from the domesti+ business house and

prime publi+ se+tor +ompanies' -t is re+oni2ed as a leadin pro,ider of +ash

manaement and transa+tional Bankin solutions to +orporate +ustomers Mutual

#unds Sto+k 4.+hane Members and Bank'


15/97


5' ?4*A-1 BA%-%< S4?-$4S/

*he obe+ti,e of retail bank is to pro,ide its taret market +ustomer a full rane of

finan+ial produ+ts and bankin ser,i+e i,in the +ustomer a one0stop window for all

his:her bankin requirements' *he produ+ts are ba+ked by world0+lass ser,i+es and

deli,ered to the +ustomers throuh the rowin bran+h network as well as thouh

alternati,e deli,ery +hannels like A*Ms phone bankin net bankin and mobile

bankin' *he !"#$ bank preferred prorams for hih net worth indi,iduals the

!"#$ bank plus and the in,estment ad,isory ser,i+es proram ha,e been desined

keepin in mind heads of +ustomers who seek distin+t finan+ial solutions information

and ad,i+e on ,arious in,estment a,enues' *he also had a wide array of retail ban

produ+ts in+ludin auto loans loans aainst marketable se+urities personal loans and

loans for two wheelers' -t is also a leadin pro,ider of depository ser,i+e to retail

+ustomers offerin +ustomers the fa+ility to hold their in,estments in ele+troni+ form'

!"#$ Bank was the first bank in -ndia to laun+h an international debit +ard in

asso+iation with -SA ( isa ele+tion) and issue the master +ard Maestro debit +ard as

well' *he debit +ard allows the use to dire+tly debit his a++ount at the point of

pur+hase at a mer+hant establishment in -ndia and o,erseas' *he bank laun+h its

+redit +ard in asso+iation with -SA in %o,ember 5665' *he bank is also one of the

leadin players in the @mer+hant a+quirin@ business with 5G866 point of sale (pos)

terminals for debit:+redit +ards a++eptan+e at mer+hant establishments' *he bank is

well positioned as a leader in ,arious net based B5$ opportunities in+ludin a wide

rane of interest bankin ser,i+es for fi.ed deposit loans bill payments et+'


16/97


($) *?4ASU?H O94?A*-O%S

Within this business the bank has three main produ+t areas forein e.+hane and

deri,ati,e lo+al +urren+y money market & debt se+urities and equities' With the

liberali2ation of the finan+ial market in -ndia +orporate need more sophisti+ated risk

manaement information ad,i+e and produ+t stru+ture' *hese and find pri+in on

,arious treasury produ+t are pro,ided throuh the bank treasury team'


17/97


18/97


AREA OF OPERATION

!"#$ bank has its !eadqarters in Mumbai' *he bank at present has an en,iable

network of ;5F7bran+hes spread o,er 5655 +ities a+ross the +ountry' All bran+hes

are linked on an online real time basis'' *he banks e.pansion plans take into a++ount

the need to ha,e a presen+e in all maor industrial and +ommer+ial +enters where its

+orporate +ustomers are lo+ated as well as the need to build a stron retail +ustomer

base for both deposits and loans produ+ts' Bein a +learin settlement bank to ,arious

leadin sto+k e.+hanes the bank has bran+hes in +enters where the %S4:BS4 ha,e a

stron and a+ti,e member base'

*he bank also ha,e a network of 7;5;A*M>s a+ross there +ities'


19/97


O?NERSHIP PATTERN

On 0 S,t*br +015 t% ,ro*otr grou, Housing D$lo,*nt Financ

Cor,oration%ld ++63+7 o" its uity s%ars6 617 o" t% s%ars 9r

o9nd by t% Forign Institutional In$stors :FII;6 Around .+85000 indi$idual

,ublic s%ar%oldrs o9n a,,ro


20/97


AWA?"S A%" A$!-44M4%*S 0 BA%-%< S4?-$4S0567507;

@Best Bank in -ndia> 0 5675 Business *oday0 9M< Sur,ey'

@Best "omesti+ +ommer+ial Bank> & @Best $ash Manaement Bank@ -ndia

Asiamoney Awards for $orporate 4.+ellen+e 567507;'

@Best Bank@ 0 -ndia0 #inan+e Asia

@$ompany of the Hear@0 *he 4+onomi+ *imes Awards for $orporate 4.+ellen+e 56750

7;'

@Best "omesti+ Bank in -ndia@0 *he Asset *riple a $ountry Awards 5675

Most $ustomer ?esponsi,e +ompany 0 Bankin and #inan+ial Ser,i+es@ *he

4+onomi+ *imes 0 A,aya


21/97


?ORK FLO? MODEL

Fill t% !rli*inary Account O,ning For*6

!%on Banking O""icr 9ill contact you to %l, you co*,lt t%Account O,ning For*5 and assist 9it% t% ruird docu*ntation6

Docu*ntation

"o+umement submission

erifi+atin

alidation

-ssuin of ne+essary do+ument from the bank


22/97


23/97


M)Ki/ey @S F2(me7+26

*he M)Ki/ey @S F2(me7+26is a manaement model de,eloped by well0

known business +onsultants ?obert !' Waterman Cr' and *om 9eters in the

7E6s' *his was a stratei+ ,ision for roups to in+lude businesses business

units and teams' *he IS are stru+ture stratey systems skills style staff and

shared ,alues'

*he model is most often used as a tool to assess and monitor +hanes in the

internal situation of an orani2ation'

*he model is based on the theory that for an orani2ation to perform well thesese,en elements need to be alined and mutually reinfor+in' So the model +an

be used to help identify what needs to be realined to impro,e performan+e or

to maintain alinment (and performan+e) durin other types of +hane'

Whate,er the type of +hane restru+turin new pro+esses orani2ational

merer new systems +hane of leadership and so on the model +an be used

to understand how the orani2ational elements are interrelated and so ensurethat the wider impa+t of +hanes made in one area is taken into +onsideration
http://en.wikipedia.org/wiki/Robert_H._Waterman,_Jr.http://en.wikipedia.org/wiki/Tom_Petershttp://en.wikipedia.org/wiki/Businesshttp://en.wikipedia.org/wiki/Business_unithttp://en.wikipedia.org/wiki/Business_unithttp://en.wikipedia.org/wiki/Robert_H._Waterman,_Jr.http://en.wikipedia.org/wiki/Tom_Petershttp://en.wikipedia.org/wiki/Businesshttp://en.wikipedia.org/wiki/Business_unithttp://en.wikipedia.org/wiki/Business_unit


24/97



25/97


".STRATE


26/97


-.STRUCTURE


27/97


#.SYSTEM

*4$!%O1O


28/97


S?OT ANALYSIS

STREN


29/97


?EAKNESS :

A++ount openin and deli,ery of +heque book take +omparati,ely more time'

1a+k of a,ailability of different +redit produ+ts like $$ 1imit Bill dis+ountin fa+ilities'

OPPORTUNITY :

Bran+h e.pansion

"oor step ser,i+es


30/97


$A9-*A1 S*?U$*U?4

As on Mar+h ;7 5678 the authori2ed share +apital of the Bank is ?s' FF6 +rore' *he

paid0up +apital as on the said date is ?s 8IE766EI6:0 ( 5;6F68;F ) equity shares

of ?s' 5:0 ea+h)' *he !"#$ and the Bank>s


31/97


BA1A%$4 S!44* A* ;7S*

MA?$! 567;

$apital & 1iabilities S+hedule As at ;70;07;

(?s'in P666)

As at ;706;075

$apital 7 41@&515#5 8G;;II

?eser,e & Surplus 5 41@&515#5 8G;;II

4mployees sto+k options

(rants) outstandin

#&@1#5-1%4% 58FF6;FE

"eposits ; -1'%-14%'154% -1'%-14%'154%

Borrowins 8 ##$1$%&1'@- 5;E8GF6EG

Other liabilities & pro,isions F #451%4"1%@" ;I8;7EG6

*otal 41$$#1#"51'@# ;;I686

Assets/

$ash & balan+e with ?B- G "4%1-@#1''$ 78768F

Balan+es with Bank & money

at +all & short noti+e

I "-%1&-@1%'' F8GG;7E

-n,estments E "1""%1"#&1' I8E568

Ad,an+es -1#'@1-$%14#- 7F856655

#i.ed Assets 76 -@1$#$15"# 5;8I786

Other Assets 77 "'$1"441$5% 57I57G867

*otal 41$$#1#"51'@# ;;I686

$ontinent liabilities 75 @1-$"1--41-'# EGF55E5G5Bills for +olle+tion -%"1$#'1%#$ 7EG58FG

SOU?$4/ Annual ?eport of !"#$ BA% (56750567;)


32/97


!-

(#-%A%$-A1 H4A? 567507;)

7'%et profit ?s'GI5G' An in+rease of ;6N +ompared to the pre,ious year

5'Balan+e sheet/?s'866;;5 +rore'An in+rease of 7E'FN +ompared to the pre,ious year

;'*otal deposit/?s'5G58I +rore'An in+rease of 56'7N +ompared to pre,ious year

8'*otal Ad,an+es/?s'5;I57 +rore An in+rease of 55'7N +ompared to pre,ious year

F'%etwork

Bran+hes/;6G5

A*Ms/76I8;

$itiesQtowns/7E8F


33/97


RATIO ANALYSIS OF FINANCIAL STATEMENT

Growth Ratio:

Cor O,rating Inco* ro9t% 16&0 ++631

O,rating !ro"it ro9t% -6&3 -+3611

t !ro"it ro9t% +60 0618

B)!S ro9t% 1&608 1&6

Ad$ancs ro9t% +6.0 ++63

!S ro9t%:7; +60+ +86&


34/97


LEARNIN< AND EPERIENCE

An opportunity to apply the concepts learning t in real

life situations.

It sensitizes me about nuances of work place by the time-

boun pro!ects assigne by the company.

It creates awareness about the strengths " weaknesses in

the work environment

#now the ay-to-ay functions of the company.

It provies a uni$ue opportunity to get e%pose tocorporate culture& professional e%perience "professional behavior " putting the theoretical conceptslearnt in the classroom for eveloping managerial skills.

To gain a eeper unerstaning of the work culture&

ealines& pressure etc. of an organization.

It gives a 'avor of teamwork& organization culture& team

ynamics& result orientation& organizational pressures&

comple%ities in achieving the esire results etc.


35/97


PART B


36/97



37/97


38/97


$OM9A?A*-4 *AB14

(?eular & 9remium +urrent A:+)

#eature $urrent A:+ ?eular $urrent A:+ premium

Who +an open Anybody e.+ept minor Anybody e.+ept0minor

-nitial deposit required ?s'76666 ?s'5F666

Minimum A,' Ruarterly

Balan+e (ARB)

?s'76666 ?s'5F666

Ser,i+e +hares for non

maintains of ARB

?s'IF6:0 per quarter ?s'66 per quarter

$heque book One book free +ontainin F6

lea,es additional $heque

leaf at ?s'5:0

All $heque book free

A*M $ard #or indi,idual :sole

proprietorship A:+

#or indi,idual : sole

proprietorship A:+

-nterest payable %-1 %il


39/97


40/97


SA-%< A$$OU%*

*he e0ae sa,in a++ount from !"#$ Bank brins a +omprehensi,e rane of

produ+ts and ser,i+es' All one needs to deposit minimum balan+e of ?s'F666 and open sa,in

balan+e a++ount whi+h allows to issue +heques and use on A*M:"ebit +ard for withdrawls'

#4A*U?4S

-%*4?4S* ?A*4

-t is +al+ulated at the sale of 8N per annum +redited to +ustomer>s a++ount at

quarterly inter,als interest is based on the minimum balan+e in the a++ount between the 76th

and last day of the month and is +redited to the +ustomers a++ount on Mar+h ;7st Cune ;6th

Setp' ;6th and "e+' ;7st'

RUA?*4?1H S*A*4M4%*

*he statements are sent to the mailin address of a++ount holders on Mar+h ;7st Cune

;6th Sept' ;6th and "e+ember ;7st of e,ery year' *he monthly statements dupli+ate

statements +ertifi+ate of balan+e are a,ailable at a free'


41/97


$O114$*-O% O# $!4RU4S

*hird day +redit in lo+al +learin'

77th day +redit in outstation +olle+tion if !"#$ lo+ation is free (+hare ?s'7666 Min F6

?s')

Minimum of 57 days with +hares in non !"#$ lo+ation

-SSUA%$4 O# $!4RU4 BOO

#irst 5F +heque lea,es are free then further are requested throuh A*M or Bran+h'

ARB $!A?


42/97


W!O $A% O94% T

?esident -ndi,idual (sole or oint)

Minor

!indu Undi,ided #amily

*rust Asso+iation & So+iety'

W!O $A%%O* O94%T

#irms and $ompanies

Coint A++ount

Ma.imum of ; +an ointly open sa,in balan+e a++ount

*"S

%o *"S on sa,in a++ount interest irrespe+ti,e of the amount'


43/97


S4?-$4S

#ree 58 hours A*M

#ree %et bankin

-nternational "ebit $ard

-nter+ity: -nterbran+h bankin

Bill pay

#ree phone bankin

-nsta alert ser,i+e


44/97


#?44 58 !OU?S A*M

#ree A*M +ard is pro,ided with your sa,in balan+e a++ount and you +an a++ess your

a++ount 58 hours a day;GF days a year' On +an ha,e instant a++ess to the a++ount throuhout

the +ountry round the +lo+k'

#4A*U?4S O# A*M

*he ma.imum limit of withdrawal is ?s'76666 per day'

"eposit +ash: +heques


45/97


46/97


?epla+ement of damaed +ard / #ree

?epla+ement of lost +ard / ?s'766:0

*?A%SA$*-O% $!A?


47/97


-%*4?B?A%$!: -%*4?$-*H BA%-%t ha,e to wait for a++ount information but ets

reular updates on bank a++ount ,ia SMS or e0mail one +an pi+k & +hoose the mode e0mails

or SMS or both to re+ei,e alerts' -nsta Alert pro,ides alerts for he followin'

SA1A?H $?4"-*

#or salary a++ount holders its an eaer wait till there salary +omes into the bank' But

with -nsta alert fa+ility one ets on e0mail or SMS the minute your salary ets +redited'

U*-1-*H B-11S 9AHM4%* "U4

One ets instant SMS :e0mail reminders when your utility bill are due'

"ebit:$redit transa+tions reater than ?s'F666: 76666: 56666: F6666'

Weekly balan+e alert

Alert on balan+e below ?s' ?s'F666: 76666: 56666: F6666'


50/97


$!A?


51/97


*H94 O# SA-%t maintain ARB of ?s'F666 in sa,in balan+e a++ount ser,i+e

+hares of ?s'IF6 per quarter are not appli+able'

5' 3ero balan+e sa,in a++ount with #" of ?s'F6666

-f one open sweep in a++ount with of ?s' F6666:0 whi+h is automati+ally linked to

sa,ins a++ount he:she ets an a++ess to 2ero balan+e sa,in a++ount i'e' on doesn>t

ha,e the need to maintain a,erae quarterly balan+e of ?s'F666:0 is sa,in balan+e

a++ount an e,en in +ase of non maintenan+e of ARB no ser,i+e +hares of ?s' IF6:0

per quarter are appli+able one needs to maintain a minimum #" of ?s'F6666: at all

times to a,oid ser,i+e +hares'

;' Salary A:+

When one +ompany opts for the !"#$ Bank +orporate salary proram employee

ets more than first a sa,ins a++ount' *he a++ount holders et a superior bankin

e.perien+e and a host of ,alue added ser,i+es' An e0ae bankin a++ount that is

a++essible 58 hours a day I days a week & ;GF days a year' *hrouh free net

bankin Mobile bankin phone bankin wide network of A*Ms & bran+hes a+ross

the +ountry employees et the +on,enien+e of ha,in their salaries +redited dire+tly a

free international debit +ard O:" fa+ility plus free "emand draft & preferential

interest rates on personal loans'


52/97


Who is eliible T

A,' monthly salary / ?s'IF66 plus

Minimum number of employees / 7F

#4A*?U4S

3ero balan+e sa,in a++ount

-nterest ;'F p'a

#ree inter+ity: bran+h bankin

$ash withdrawl

$ash deposit

"" -nsuran+e

$heque deposit

#ree fund transfer'

"is+ount on 1oans

#ree "emand "raft

Salary a++ount holders +an a,ail of free ""s upto ?s'5F666:0 only from !ome

Bran+h' *his offer +an be a,ailed of throuh the 9hone Bankin or %et Bankin at the

bran+h' *he amount of the "" will be debited from the salary a++ount'

"emat A:+

#or first year ?s'766 p'a' then ?s';66 p'a'

#ree net bankin mobile bankin phone bankin 9ersonali2ed +heque book


53/97


8' "4#4%$4 94?SO%%41 A$$OU%*

*he +orporate defen+e salary proram is tareted at all ser,in defense personnel

(-ndian Air #or+e -ndian Army -ndian %a,y) this proram offers a host of world +lass

ser,i+es & benefits to defense personnel as free debit +ard free +olle+tion of outstation

+heques dire+tly +radlin salary free ""s preferential interest rates on loans'

#4A*U?4S

3ero international debit +ard

#ree international debit +ard

#ree ""s upto ?s'5F666 per instrument at home bran+h

"is+ounted rates of interest for asset produ+ts

$redit +ard at preferential rats

1o+ker fa+ility offered at a 5FN dis+ount

#ree bill pay fa+ility

#ree inter +ity bankin

9ersonali2ed +heque book

#ree net bankin mobile & phone bankin


54/97


F' *?US* A$$OU%*

*rust and so+ieties enoy the opportunities of openin sa,ins a++ounts that earn

hiher interest as +ompared to the +onfessional +urrent a++ounts whi+h offer 2ero interest

besides this a host of other ad,antaes so far a,ailable only on +urrent a++ounts +an now be

enoyed by trusts'

#4A*U?4S

#ree %et bankin

#ree 9hone Bankin

"emat A++ount

Ruarterly Statement of a++ounts

-nter+ity bankin

Stru+tured $ross0sell of Mutual #unds: ?B- Bonds & other finan+ial instruments'

!OW *O O94% T

7'One needs to open a sa,ins a++ount with a minimum initial pay in of ?s F666'

5'Maintain an ARB of ?s'F666'

;'Alternati,ely one +an ha,e a #" of ?s' 5 lakh whi+h i,es an a++ess to a 2ero balan+e

sa,ins a++ount


55/97


G' 34?O BA1A%$4 -"S A"A%*A


56/97


One need to maintain a,erae quarterly balan+e (ARB) of ust ?s' 5F666' thus one

will be sa,ed from monitorin indi,idual ARBs'

#4A*U?4S

#ree -nternational "ebit +ard for all roup members till the lifetime'

5 free ""s:M$s on !"#$ Bank lo+ations per month'

$heque boun+e prote+tion (that it sa,ins A++ount to sa,ins A++ount Sweep in from a

nominated a++ount)'

#ree standin instru+tions for in,estment into M#s'

$ash deli,ery ?s'F6:0 per deli,ery upto ?s' 7 lakh aainst the normal +hare of ?s'766:0

#ree one ,iew to a++ess all a++ounts'

#ree mobile bankin

#ree insta Alerts

#ree bill pay


57/97


$!A?


58/97


S*A*4M4%* O# A$$OU%*

Ruarterly / #ree

"upli+ate Statement / ?s'766 per statement

#or of statement free throuh phone bankin'

A$$OU%* $1OSU?4

Before G months / ?s'766

After G months / %o +hare

-%*4?B?A%$! BA%-%s prime lendin rate (91?)

One +an +hoose any a++ount plan between G months and F years for super sa,er

a++ount e,en if one withdraws upto I6N of super sa,er a++ount on day one an do not put it

ba+k for a year still earns more that he:she earns throuh sa,in a++ount'

-n fa+t on opeenin super sa,er a++ount with nominal balan+e of ?s'F666 one need

no maintain ARB of ?s' F666 in sa,ins A++ounts no ser,i+e +hares of ?s' IF6:0 are

appli+able'

!iher the balan+e in super sa,er a++ount and shorter the period for whi+h one

withdraws the money hiher the returns'


62/97


#4A*U?4S

One +an open super sa,er a++ount with nominal balan+e of ust ?s'5F666 an enoys a

temporary withdrawal of limit of upto IFN the deposit'

4,en after withdrawal of a part of limit entire deposit +ontinues to earn a hih rate of

interest i'e' deposit is not broken' One is required to pay an o,erdraft interest that is 5N more

than the interest earned by the fi.ed deposit for the amount of o,erdraft and only for the

period for whi+h one uses the money' One +an take an o,erdraft simply by usin a +heque or

throuh an A*M for o,erdraft limits reater than 5 lakh o,erdraft interest will be +hared at

the bank>s prime lendin rate (91?)'S

One +an +hoose any a++ount plan between G months and F years for super sa,er

a++ount e,en if one withdraws upto I6N of super a++ount on day one an do not put it ba+k

for a year still earns more that he:she earns throuh sa,in a++ount'

-n fa+t on openin super sa,er a++ount with nominal balan+e of ?s'5F666 one need

no maintain ARB of ?s' F666 in sa,ins A++ounts e,en if ARB of ?s' F666 is not maintained

in sa,ins a++ount no ser,i+e +hares of ?s' IF6:0 are appli+able'

!iher the balan+e in super sa,er a++ount and shorter the period for whi+h one

withdraws the money hihest the returns'

#ree A*M +ard

9ersonali2ed +heque book

O,erdraft on +urrent a++ount aainst your #"

One ets an o,erdraft on +urrent a++ount aainst fi.ed deposits with the bank'


63/97


4liibility

Super sa,er a++ount should be offered to -ndi,idual or !U# sa,in a++ount holders'


64/97


-%*4?4S* ?A*4S #O? #-L4" "49OS-*

9eriod Hear & Abo,e Amt'


65/97


66/97


67/97


68/97


*he +ard holder is also prote+ted aainst any misuse in +ase your +ard is lost or stolen'

*his liability %il from the mo,ement he report the loss to the bank'

$omprehensi,e -nsuran+e /

*he -nternational


69/97


*ra,el made +on,enient /

*his +ard offer a host related benefits so that one +an tra,el with easy +omfort'

*ele *i+ketin /

One +an now book his air & railway ti+ket from the +omfort of his home & et them

deli,ered at his doorstep' !e also et attra+ti,e dis+ount of ;'FN on domesti+ and F'FN on

international air ti+kets'


70/97


STATEMENT OF THE PROBLEM

Understandin +ustomer perspe+ti,es and measurin their awareness le,el and satisfa+tion

le,el to the ser,i+e pro,ided by bank. -t aims to understand the skill of the +ompany in the

area of ser,i+e quality that are performin well and shows those area whi+h require

impro,ement'


71/97


OBECTIVE OF THE STUDY

*o study awareness reardin !"#$ Bank Hnr'

*o e.plore ,arious s+hemes offered by !"#$ Bank'

*o know whi+h is the most popular s+heme of the bank'

*o know promotional efforts made by the bank to attra+t +ustomers'

*o know problems fa+ed by the +ustomers in the bank'

*o find out awareness le,el & rea+tion of +ustomers towards dire+t bankin +hannels

pro,ided by bank'

*o find +auses of dissatisfa+tion if any about "ire+t Bankin $hannels'

*o pro,ide suestions for impro,ement in different s+hemes pro,ided by !"#$ Bank'


72/97


73/97


RESEARCH METHEDOLO


74/97


BANK CONSULTED :

!"#$ Bank

%o of persons +onsulted

766

?4S9O%"4%*S -%$1U"4" /

!"#$ staff +ustomers

?4S9O%"4%*S B41O%< *O "-##4?4%* 9?O#4SS-O%S

$hartered A++ountant

1e+turers & *ea+hers

"o+tors

Others

A?4A $O4?4"

S+hools & +ollees

Offi+es

Market pla+es

!otels & ?estaurants'


75/97


LIMITATION OF THE STUDY

"ue to +onstraints of time & resour+es the present study is likely to suffer from +ertain

limitations some of these are mentioned so that study +an be understood in a proper

respe+ti,e /

Area +o,ered under the report is sample si2e was ,ery small'

*he resear+h was +arried out in a short period of I0E weeks as a part of summer trainin'

*he proe+t was +ompleted within the i,en time frame'

Some of the respondents of the sur,ey were unwillin to i,e information'

Sometimes wron information was pro,ided by respondents whi+h needed to be +ross

+he+ked & ,erified'

$han+es of biasness are there be+ause of the use of +on,enient samplin'

Some respondents were not a,ailable and thus needed data +ould not be found'


76/97


77/97


ANALYSIS INTERPRETATION

R'7' !ow did you +ome to know about !"#$ BankT

*o know about the !"#$ Bank

Sour+es 9er+entae of respondents

#riends ;F

Marketin 86

Ad,ertisement 76

4.hibitions 76Others F

As shown by the table abo,e people who +ome to know about the !"#$ Bank

throuh friends are ;FN throuh Marketin are 86N throuh Ad,ertisement are 76N

throuh 4.hibitions are 76N and throuh Others are FN'


78/97


SOU?$4S O# AWA?4%4SS

3540

10 10

5

05

10

15

0

5

30

35

40

Fri!"#$ %ar&!ti"' ADS E(hi)itio"$ Oth!r

SOURCES

PERCENTA


79/97


R' 5' Whom did you +onta+t first in !"#$ Bank'

*o +onta+t #irst in !"#$ Bank'

!elpin


80/97


R';' Whi+h fa+tor plays an important role while openin an a++ountT

#a+tors that play an important role'

#a+tors 9er+entae of the ?espondents

Ad,ertisement 56

Spe+ial Offer ;6

Operational Staff 7F

$on,in+in 9ower of

e.e+uti,es

56

$redibility of Bank 7F

After +ondu+tin the sur,ey ad,ertisement plays 56N Spe+ial Offer plays ;6N

Operational Staff plays 7FN $on,in+in 9ower of 4.e+uti,es plays 56N and $redibility of

Bank plays 7FN role while openin an a++ount in !"#$ Bank'

*hus study shows that spe+ial offer plays the most important role while openin an

a++ount a++ordin to the respondents'

+ o. R!$/o"#!"t$

AD)

+07

Crdi6 O" Bank

17

S,6 O""r

-07

Con$icing !o9 r o"


81/97


8' Whi+h produ+t do you use the mostT

9rodu+t Used the most'

9rodu+t %ame 9er+entae of ?espondents

Sa,in A:+ 88

$urrent A:+ 55

#i.ed "eposit 5E

Others G

*his table shows that the people who are usin Sa,in A:+ are 88N $urrent A:+ are

55N #i.ed "eposit are 5EN and Others are GN

*hus the study shows that Sa,in A:+ is the most preferred produ+t of !"#$ Bank by

respondents'

*his +an be shown by this


82/97


Most popular #" s+heme

#" S+heme 9er+entae of the ?espondents

?ein,estment ;6

Super Sa,er 8F

Sweep in A:+ 5F

+ o. R!$/o"#!"t$

30

45

5

0

10

0

30

40

50

R!i"$2!$t!"t S/!r Sa2!r Sw!!/i"

*his *able shows that people are usin rein,estment are ;6N Super Sa,er are 8FN

and Sweep in A:+ are 5FN'

*hus the study shows that Super Sa,er is the most popular #" S+heme by the

respondents'


83/97


R'G' Are you able to maintain ARB of ?s' F666 in sa,in a++ountT

9er+entae of the respondents maintainin ARB'

9er+entae of the respondents

Hes %o

GF ;F

*his +an be shown by this


84/97


85/97


R'E' What are the +auses for not usin any of the "ire+t Bankin

$hannelsT

$auses responsible for not usin "B$

$auses 9er+entae of the ?espondents

Unwareness ;5

1a+k of nowlede 85

#eel more se+ure while bankin

personally

57

Unsatisfied F

+ o. R!$/o"#!"t$

?nsatis"id07

?na9arnss

-+7

/ack o"

no9ldg

.+7

Fl *or

scur banking

,rsonal

+17 F!! or! $!*r!)a"&i"' /!r$o"a

U"$ati$.i!#

U"awar!"!$$

8a*& o. 9"ow!#'!

*his


86/97


R'' !ow will you rate performan+e of dire+t bankin +hannels you are usinT

?ate performan+e of the "B$'

9erforman+e of "B$ 9er+entae of the ?espondents

Best 86


87/97


R'76' !ow would you rate performan+e of !"#$ BankT

?ate performan+e of !"#$ Bank'

?ate 9erforman+e 9er+entae of the ?espondents

Best 86


88/97


9er+entae of ?espondents

Hes %o

8F FF

45

55

0

10

0

30

40

50

,0

7!$ No

+ o. R!$/o"#!"t$

!'CTA

*his


89/97


R'75' Why do you prefer !"#$ BankT

9referred !"#$ Bank'

#a+ilities 9er+entae

Better 56

9lan ;6

Selusen ;6

Aents 7F

Others F

0

30 30

15

5

0

5

10

15

0

5

30

B!tt!r a" S!$!" A'!"t$ Oth!r$

+ o. R!$/o"#!"t$

this


90/97


R'7;' "o you think pri,ate se+tor banks are better than publi+ se+tor

banksT

+ o. R!$ /o"#!"t$

;5

15

7!$

No

R'78' What e.tra ser,i+e would you like to a,ail form the bankT

+ o. R!$/o"#!"t$

30

40

10

0O"i"! Tra#i"'o. Shar!$

ho"! Ba"&i"'

Bi$ a:

Oth!r


91/97


FINDIN


92/97


SU


93/97


$O%$1US-O%

After analy2in all the fa+tors responsible we +ame to know that +ustomer of !"#$ bank are

well aware of the finan+ial s+hemes pro,ided and the ad,antae of their produ+t o,er the

other bank'1ittle impro,ement is required in the ad,ertisement of the bank as ,ery less

per+entae of +ustomer know about !"#$ bank throuh its ad,ertisement +ampin'

-n the study we ha,e found that spe+ial offer plays an important role in +ustomer beha,ior in

+hoosin the finan+ial s+hemes'

!"#$ bank should make people well aware about the dire+t bankin +hannel be+ause la+k of

knowlede about the dire+t bankin +hannel was the main reason for +ustomer for not usin

"B$'

#inally - would like to +on+lude that !"#$ bank is ood ob in pro,idin finan+ial benefits

to +ustomer be+ause of its wide rane produ+t in this +ompetiti,e world with number of

banks tryin to be the best'


94/97


ANNEURE

9UESTIONNAIRE

%AM4 /

A


95/97


96/97


77'"id you fa+e any problems while maintainin your a++ount at bankT

-f >yes> please mention what problems you fa+ed'

Hes

%o

75' Why do you prefer !"#$ BankT

Better ser,i+es Better returns Others

Attra+ti,e 9lans Aent nown

7;' "o you think pri,ate se+tor banks are better than publi+ se+tor banksT

Hes %o


97/97


B-B1-O

Financial Scheme by Hdfc Scheme Marketing

Documents

Transcript of Financial Scheme by Hdfc Scheme Marketing